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APY = Annual Percentage Yield. Rates and APYs accurate as of August 15, 2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

All rates are subject to change without prior notice. These rates replace any rates posted before the date listed above. Only Ferguson FCU members are eligible for these rates. A minimum Savings deposit of $5 is required for membership. Rates may be found online or by calling (601) 587-4037.


Primary Accounts

Account Minimum Balance APY
Regular Savings $505 0.25%
Regular Savings $5,000 0.50%
Regular Savings $25,000 0.75%
Regular Savings $50,000 1.01%
Youth Savings $5 0.50%
Christmas Club $30 0.50%
IRA $500  0.75%
IRA $50,000 1.01%
Youth Checking $25 0.25%*
Consumer Checking $500 0.25%
New Leaf Checking $500 0.25%
Rewards Checking $500 3.00%*

*Youth Checking max limit for rate is $2,500.00. Reward Checking limit for rate is $20,000.00. Balance over limit will earn standard published rate shown below.

Share & IRA Certificates (CDs)Learn More

Term Minimum Balance APY
12 Months $1,000 2.55%
24 Months $1,000 2.70%
36 Months $1,000 2.80%
48 Months $1,000 2.90%
60 Months $1,000 3.05%

Penalty for early withdrawal.

High Yield Money Market AccountsLearn More

Tier APY
$2,500 - $10,000 0.50%
$10,001 - $25,000 0.75%
$25,001 - $50,000 1.00%
$50,001 - $100,000 1.25%
$100,001+ 1.50%

Auto LoansLearn More

Term APR
1 - 48 Months As low as 1.49%
49 - 60 Months As low as 2.49%
61 - 72 Months As low as 3.09%
73 - 84 Months As low as 3.50%
85 - 96 Months As low as 5.00%

 

Farm Equipment (Trailers, etc.)

Term APR
Up to 60 Months As low as 3.99%

Recreational Loans (Boats, RVs, ATVs, Jet Skis, etc.)Learn More

Term APR
1 - 48 Months As low as 6.25%
49 - 60 Months As low as 6.50%
61 - 72 Months As low as 6.75%
73 - 84 Months As low as 7.50%
85 - 120 Months As low as 8.25%

Unsecured (Signature, VISA Credit Cards, etc.)

Type Term APR
Unsecured Up to 60 Months As low as 10.95%
VISA Credit Card LOC As low as 10.95%
Revolving Line of Credit LOC As low as 11.95%
     
     

 

Share Secured

Type Term APR
Regular Shares Secured 1 - 60 Months 3.50%
Regular Shares Secured 61 - 120 Months 4.50%
Regular Shares Secured Up to 180 Months 5.50%
CD Secured (Terms Mirror CD) 1 - 12 Months 4.55%
CD Secured (Terms Mirror CD) 13 - 24 Months 4.70%
CD Secured (Terms Mirror CD) 25 - 36 Months 4.80%
CD Secured (Terms Mirror CD) 37 - 48 Months 4.90%
CD Secured (Terms Mirror CD) 49 - 60 Months 5.05%
Credit Builder 12 Months 18%

MortgagesLearn More

Type Term LTV APR
Conventional 10 Years 80% LTV
90% LTV
As low as 5.50%
As low as 5.75%
Conventional 15 Years 80% LTV
90% LTV
As low as 5.75%
As low as 6.00%
Conventional 20 Years 80% LTV
90% LTV
As low as 6.00%
As low as 6.25%
Conventional 30 Years 80% LTV
90% LTV
As low as 6.25%
As low as 6.50%
Manufactured Homes 10 Years 80% LTV
90% LTV
As low as 8.00%
As low as 8.25%
Manufactured Homes 15 Years  80% LTV
90% LTV
As low as 8.25%
As low as 8.50%
Manufactured Homes 20 Years  80% LTV
90% LTV
As low as 8.50%
As low as 8.75%
Land 15 Years  100% LTV As low as 9.25%
Land 20 Years  100% LTV As low as 9.50%
Construction 1 Year  80% LTV As low as 7.25%

Dividends are compounded and paid monthly on Checking, quarterly on all Savings types. Dividends are based on credit union earnings at the end of the dividend period and are not guaranteed.

Specific loan rates are based on credit history, collateral details, and borrower history as determined by credit application process. Final rate will be determined after the application is reviewed. All loans subject to credit approval. All rates subject to change without notice.

Federally insured by NCUA.

We do business in accordance with Federal Housing Laws and Equal Credit Opportunity Act. All loans subject to credit approval.